Aggregation of automated teller machine (atm) device-related information and/or factor-based selection of an atm device

ABSTRACT

A device may receive, from automated teller machine (ATM) devices, information related to a capability of each of the ATM devices to provide cash, or a fee to be charged by each of the ATM devices in association with providing the cash. The device may receive, from a user device, a request to identify an ATM device of the ATM devices. The device may determine scores for the ATM devices based on the information related to the capability of the one of the ATM devices or the fee to be charged by the one of the ATM devices. The device may determine a rank for the ATM devices based on the scores for the ATM devices. The device may provide, to the user device and based on the rank, information identifying the ATM device or one or more other ATM devices of the ATM devices.

BACKGROUND

An automated teller machine (ATM) device may include an electronicmachine that enables a customer of a financial institution to perform afinancial transaction. For example, a financial transaction may includea cash withdrawal, a money deposit, a money transfer, and/or the like.An ATM device may permit performance of a financial transaction withoutthe need for a human cashier or bank teller. In some cases, an ATMdevice may identify a customer of the ATM device by reading a magneticstrip and/or a chip associated with a transaction card associated withthe customer.

SUMMARY

According to some possible implementations, a device may comprise one ormore memories; and one or more processors, communicatively coupled tothe one or more memories, configured to receive, from a plurality ofautomated teller machine (ATM) devices, information related to at leastone of: a capability of each of the plurality of ATM devices to providecash, or a fee to be charged by each of the plurality of ATM devices inassociation with providing the cash. The one or more processors may beconfigured to receive, from a user device, a request to identify an ATMdevice, of the plurality of ATM devices, from which an individualassociated with the user device can receive the cash. The one or moreprocessors may be configured to determine, after receiving the request,scores for the plurality of ATM devices. A score for one of theplurality of ATM devices may be based on at least one of: the capabilityof the one of the plurality of ATM devices to provide the cash, the feeto be charged by the one of the plurality of ATM devices, or informationidentifying a preference of the individual. The one or more processorsmay be configured to determine a rank for the plurality of ATM devicesbased on the scores for the plurality of ATM devices. The one or moreprocessors may be configured to provide, to the user device and based onthe rank, information identifying the ATM device and/or one or moreother ATM devices of the plurality of ATM devices.

According to some possible implementations, a non-transitorycomputer-readable medium may store one or more instructions that, whenexecuted by one or more processors, cause the one or more processors toreceive, from a plurality of automated teller machine (ATM) devices,information related to at least one of: a capability of each of theplurality of ATM devices to provide cash, or a fee to be charged by eachof the plurality of ATM devices in association with providing the cash.The one or more instructions, when executed by the one or moreprocessors, may cause the one or more processors to receive, from a userdevice, a request to identify an ATM device of the plurality of ATMdevices. The one or more instructions, when executed by the one or moreprocessors, may cause the one or more processors to determine, afterreceiving the request, scores for the plurality of ATM devices. A scorefor one of the plurality of ATM devices may be based on the informationrelated to the capability of the one of the plurality of ATM devices orthe fee to be charged by the one of the plurality of ATM devices. Theone or more instructions, when executed by the one or more processors,may cause the one or more processors to determine a rank for theplurality of ATM devices based on the scores for the plurality of ATMdevices. The one or more instructions, when executed by the one or moreprocessors, may cause the one or more processors to provide, to the userdevice and based on the rank, information identifying the ATM device orone or more other ATM devices of the plurality of ATM devices.

According to some possible implementations, a method may includereceiving, by a device and from a plurality of automated teller machine(ATM) devices, information related to the plurality of ATM devices. Themethod may include receiving, by the device and from a user device, arequest to identify an ATM device, of the plurality of ATM devices, thatcan provide cash to an individual. The method may include determining,by the device and after receiving the request, scores for the pluralityof ATM devices. A score for one of the plurality of ATM devices may bebased on at least one of: a capability of the one of the plurality ofATM devices to provide the cash, a fee to be charged by the one of theplurality of ATM devices for providing the cash, or informationidentifying a preference of the individual. The method may includedetermining, by the device, a rank for the plurality of ATM devicesbased on the scores for the plurality of ATM devices. The method mayinclude identifying, by the device, the ATM device based on the rank.The method may include providing, by the device and to the user device,information identifying the ATM device or one or more other ATM devices,of the plurality of ATM devices, after identifying the ATM device.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a diagram of an overview of an example implementationdescribed herein;

FIG. 2 is a diagram of an example environment in which systems and/ormethods, described herein, may be implemented;

FIG. 3 is a diagram of example components of one or more devices of FIG.2;

FIG. 4 is a flow chart of an example process for aggregation ofautomated teller machine (ATM) device-related information and/orfactor-based selection of an ATM device; and

FIG. 5 is a diagram of an example implementation relating to the exampleprocess shown in FIG. 4.

DETAILED DESCRIPTION

The following detailed description of example implementations refers tothe accompanying drawings. The same reference numbers in differentdrawings may identify the same or similar elements.

An automated teller machine (ATM) device may charge a fee for variousservices provided by the ATM device, such as withdrawing money from theATM device, depositing money into the ATM device, transferring moneybetween accounts associated with one or more financial institutions,and/or the like. In some cases, multiple ATM devices may be located in ageographic area and the ATM devices may charge different fees for theservices that the ATM devices provide. When an individual needs toselect an ATM device to use, the individual may not have access toinformation that identifies fees for services provided by different ATMdevices. For example, selecting one ATM device over another ATM devicemay result in the individual paying a higher fee for the same service.Additionally, or alternatively, and as another example, an individualmay waste time and/or consume resources of a vehicle, such as fuelresources, traveling in a geographic area attempting to locate an ATMdevice that offers a threshold fee, offers a particular service, iscompatible with a transaction card for which the individual is a cardholder, and/or the like. Further, the individual may want to select anATM device based on a combination of factors, such as a proximity to theindividual, services offered by the ATM device, and/or the like but maylack access to this information.

Some implementations, described herein, provide an ATM recommendationplatform that is capable of aggregating information from multiple ATMdevices and processing the information according to one or more factorsand/or preferences. In this way, the ATM recommendation platform mayprovide an individual with access to aggregated information related tothe multiple ATM devices and may intelligently select an ATM device forthe individual to use based on one or more factors, one or morepreferences, and/or the like. This improves selection of an ATM deviceby an individual by permitting the individual to specify one or morefactors, one or more preferences, and/or the like on which an ATM deviceis to be selected.

In addition, this reduces or eliminates situations where an individualpays higher fees for a service from an ATM device relative to a fee forthe same service from another ATM device. Further, this conserves timeof an individual and/or resources of a vehicle, such as fuel resources,that would otherwise be consumed by the individual traveling in ageographic area to identify an ATM device with fees that satisfy athreshold, that offers particular services, and/or the like.

FIG. 1 is a diagram of an overview of an example implementation 100described herein. As shown in FIG. 1, implementation 100 includesmultiple ATM devices, an ATM recommendation platform, and a user device.

As shown in FIG. 1, and by reference number 110, the ATM devices mayprovide, to the ATM recommendation platform, information, such asinformation related to the capabilities and/or fees of the ATM devices.For example, an ATM device may provide information regarding acapability of the ATM device and/or a fee to be charged for using theATM device. In some implementations, dozens, hundreds, thousands, ormore of ATM devices may provide thousands, millions, billions, or moreof data elements, thereby providing a data set that cannot be processedmanually or objectively (e.g., in a consistent manner) by a human actor.

A capability of an ATM device may relate to a service provided by theATM device, a compatibility of the ATM device with a type of transactioncard (e.g., a transaction card that includes a chip, a transaction cardthat includes a magnetic strip, etc.), a compatibility of the ATM devicewith a brand of transaction card, denominations of cash provided by theATM device, and/or the like. Additionally, or alternatively, theinformation received from the ATM device may identify a location of theATM device, a demand for the ATM, and/or the like.

The ATM recommendation platform may aggregate the information frommultiple ATM devices to permit the user device to access theinformation. Additionally, or alternatively, the recommendation platformmay aggregate the information to permit the ATM recommendation platformto select an ATM device for an individual to use, to rank multiple ATMdevices, and/or the like, based on one or more factors, one or morepreferences, and/or the like.

As shown by reference number 120, the user device may provide, to theATM recommendation platform, a request to identify an ATM device. Forexample, a user of the user device may use an application (e.g., anapplication installed on the user device, executing on the user device,executed remotely by the user device, etc.) to cause the user device toprovide the request to the ATM recommendation platform (e.g., byproviding input via a user interface associated with the application).

The request may include information related to the user device, a userof the user device, and/or an account associated with the user devicebased on which the ATM recommendation platform is to identify an ATMdevice for an individual to use. For example, the information mayidentify a location of the user device, a proximity from the location ofthe user device within which the user wants to identify an ATM device, aservice of an ATM device that the user of the user device wants to use,a priority of one or more factors related to an ATM device, one or morepreferences related to the user of the user device and/or an accountassociated with the user device (e.g., a preference for lower fees overcloser proximity), and/or the like.

As shown by reference number 130, the ATM recommendation platform mayidentify one or more ATM devices based on the request. For example, theATM recommendation platform may identify one or more ATM devices whereinformation related to the one or more ATM devices satisfies one or morefactors, one or more preferences, and/or the like. For example, the ATMrecommendation platform may identify one or more ATM devices where adistance between the one or more ATM devices and a location of the userdevice satisfies a threshold, one or more ATM devices that provide aparticular service, one or more ATM devices that offer a fee thatsatisfies a threshold, and/or the like. The ATM recommendation platformmay identify the one or more ATM devices based on the informationrelated to the capability of the ATM device and/or a fee to be chargedby the ATM device and/or information included in the request.

As shown by reference number 140, the ATM recommendation platform maydetermine a score and/or a rank for the one or more ATM devices. Forexample, the ATM recommendation platform may determine a score for anATM device based on information associated with the ATM devicesatisfying one or more factors and/or one or more preferences. The scorethat the ATM recommendation platform determines for an ATM device may bea weighted score (e.g., where different factors and/or preferences havedifferent weights), an average score (e.g., an average of scores foreach of one or more factors and/or one or more preferences), and/or thelike. The ATM recommendation platform may determine a rank for the oneor more ATM devices based on a respective score determined for each ofthe one or more ATM devices. For example, the ATM recommendationplatform may determine a rank for the one or more ATM devices fromhighest score to lowest score or from lowest score to highest score.

As shown by reference number 150, the ATM recommendation platform mayprovide, to the user device, information related to the one or more ATMdevices. For example, the ATM recommendation platform may provide theinformation to the user device for display. The information may identifythe one or more ATM devices, one or more ATM devices that have a scoreand/or a rank that satisfies a threshold, and/or the like. Additionally,or alternatively, the information may identify a recommended ATM device(e.g., an ATM device with the highest rank and/or score relative toother ATM devices). Additionally, or alternatively, the recommendationplatform may provide, or cause user device 210 to provide, a map fordisplay that shows a location of the one or more ATM devices and/or arecommended ATM device.

Additionally, or alternatively, the ATM recommendation platform maycause a navigational application to open on the user device. Forexample, the ATM recommendation platform may populate the navigationalapplication with information identifying a location of a particular ATMdevice to cause the navigational application to provide turn-by-turndirections to the particular ATM device.

The ATM recommendation platform may receive information identifying aselection of an ATM device by a user of the user device. For example,the user device may receive a selection of an ATM device from the userof the user device via input from the user and may provide informationidentifying the selection to the ATM recommendation platform. The ATMrecommendation platform may determine a set of directions to the ATMdevice and may provide the set of directions to the user device fordisplay. In some cases, the user device may determine a set ofdirections to the ATM device based on information identifying a locationof the ATM device received from the ATM recommendation platform.

In this way, an ATM recommendation platform may intelligently identifyone or more ATM devices for an individual to use (e.g., based on one ormore factors and/or one or more preferences related to the one or moreATM devices and/or the individual). This improves selection of an ATMdevice by the individual by reducing or eliminating a need for theindividual to travel to multiple ATM devices to identify a suitable ATMdevice. Further, this conserves time of an individual and/or resourcesof a vehicle, such as fuel resources, that would otherwise be consumedby the individual traveling to multiple ATM devices to identify asuitable ATM device. Further, this reduces or eliminates situationswhere an individual pays excess fees for a service by selecting an ATMdevice that charges higher fees relative to another ATM device for thesame service.

As indicated above, FIG. 1 is provided merely as an example. Otherexamples are possible and may differ from what was described with regardto FIG. 1.

FIG. 2 is a diagram of an example environment 200 in which systemsand/or methods, described herein, may be implemented. As shown in FIG.2, environment 200 may include a user device 210, a set of automatedteller machine (ATM) devices 220 (e.g., referred to collectively as “ATMdevices 220,” and individually as “ATM device 220”), an ATMrecommendation platform 230 provided within a cloud computingenvironment 232 that includes a set of computing resources 234, a serverdevice 240, and a network 250. Devices of environment 200 mayinterconnect via wired connections, wireless connections, or acombination of wired and wireless connections.

User device 210 includes one or more devices capable of receiving,generating, storing, processing, and/or providing information associatedwith a selection of a particular ATM device 220. For example, userdevice 210 may include a desktop computer, a mobile phone (e.g., a smartphone, a radiotelephone, etc.), a laptop computer, a tablet computer, ahandheld computer, a gaming device, a wearable communication device(e.g., a smart wristwatch, a pair of smart eyeglasses, etc.), or asimilar type of device. In some implementations, user device 210 mayprovide, to ATM recommendation platform 230, a request to identify oneor more ATM devices 220 based on one or more factors and/or one or morepreferences, as described elsewhere herein. Additionally, oralternatively, user device 210 may receive, from ATM recommendationplatform 230, information identifying one or more ATM devices 220 thatsatisfy one or more factors and/or one or more preferences, as describedelsewhere herein. In some implementations, user device 210 may executean application that facilitates providing the request and/or receivingthe information identifying the one or more ATM devices 220.

ATM device 220 includes one or more devices capable of performingvarious types of financial transactions, such as a cash withdrawal, amoney deposit (e.g., a check or cash deposit), a money transfer (e.g., atransfer from one bank account to another bank account), access toinformation related to an account (e.g., a bank account, a checkingaccount, a credit account, etc.), and/or the like. For example, ATMdevice 220 may include an ATM, an automated banking machine (ABM), acash point, a Cashline®, a Minibank®, a cash machine, a Tyme® machine, acash dispenser, a Bankomat®, a Bancomat®, and/or a similar type ofdevice. In some implementations, ATM device 220 may provide informationto ATM recommendation platform 230 to permit ATM recommendation platform230 to determine whether the information satisfies one or more factorsand/or one or more preferences, as described elsewhere herein.

ATM recommendation platform 230 includes one or more devices capable ofprocessing information from multiple ATM devices 220 and determining ascore and/or a rank for the multiple ATM devices 220 based on theinformation satisfying one or more factors and/or one or morepreferences. For example, ATM recommendation platform 230 may include acloud server or a group of cloud servers. In some implementations, ATMrecommendation platform 230 may be designed to be modular such thatcertain software components can be swapped in or out depending on aparticular need. As such, ATM recommendation platform 230 may be easilyand/or quickly reconfigured for different uses.

In some implementations, as shown, ATM recommendation platform 230 maybe hosted in cloud computing environment 232. Notably, whileimplementations described herein describe ATM recommendation platform230 as being hosted in cloud computing environment 232, in someimplementations, ATM recommendation platform 230 may not be cloud-based(i.e., may be implemented outside of a cloud computing environment) ormay be partially cloud-based.

Cloud computing environment 232 includes an environment that hosts ATMrecommendation platform 230. Cloud computing environment 232 may providecomputation, software, data access, storage, etc. services that do notrequire end-user knowledge of a physical location and configuration ofsystem(s) and/or device(s) that host ATM recommendation platform 230. Asshown, cloud computing environment 232 may include a group of computingresources 234 (referred to collectively as “computing resources 234” andindividually as “computing resource 234”).

Computing resource 234 includes one or more personal computers,workstation computers, server devices, or other types of computationand/or communication devices. In some implementations, computingresource 234 may host ATM recommendation platform 230. The cloudresources may include compute instances executing in computing resource234, storage devices provided in computing resource 234, data transferdevices provided by computing resource 234, etc. In someimplementations, computing resource 234 may communicate with othercomputing resources 234 via wired connections, wireless connections, ora combination of wired and wireless connections.

As further shown in FIG. 2, computing resource 234 may include a groupof cloud resources, such as one or more applications (“APPs”) 234-1, oneor more virtual machines (“VMs”) 234-2, one or more virtualized storages(“VSs”) 234-3, or one or more hypervisors (“HYPs”) 234-4.

Application 234-1 includes one or more software applications that may beprovided to or accessed by one or more devices of environment 200.Application 234-1 may eliminate a need to install and execute thesoftware applications on devices of environment 200. For example,application 234-1 may include software associated with ATMrecommendation platform 230 and/or any other software capable of beingprovided via cloud computing environment 232. In some implementations,one application 234-1 may send/receive information to/from one or moreother applications 234-1, via virtual machine 234-2.

Virtual machine 234-2 includes a software implementation of a machine(e.g., a computer) that executes programs like a physical machine.Virtual machine 234-2 may be either a system virtual machine or aprocess virtual machine, depending upon use and degree of correspondenceto any real machine by virtual machine 234-2. A system virtual machinemay provide a complete system platform that supports execution of acomplete operating system (“OS”). A process virtual machine may executea single program, and may support a single process. In someimplementations, virtual machine 234-2 may execute on behalf of a user(e.g., user device 210), and may manage infrastructure of cloudcomputing environment 232, such as data management, synchronization, orlong-duration data transfers.

Virtualized storage 234-3 includes one or more storage systems and/orone or more devices that use virtualization techniques within thestorage systems or devices of computing resource 234. In someimplementations, within the context of a storage system, types ofvirtualizations may include block virtualization and filevirtualization. Block virtualization may refer to abstraction (orseparation) of logical storage from physical storage so that the storagesystem may be accessed without regard to physical storage orheterogeneous structure. The separation may permit administrators of thestorage system flexibility in how the administrators manage storage forend users. File virtualization may eliminate dependencies between dataaccessed at a file level and a location where files are physicallystored. This may enable optimization of storage use, serverconsolidation, and/or performance of non-disruptive file migrations.

Hypervisor 234-4 may provide hardware virtualization techniques thatallow multiple operating systems (e.g., “guest operating systems”) toexecute concurrently on a host computer, such as computing resource 234.Hypervisor 234-4 may present a virtual operating platform to the guestoperating systems, and may manage the execution of the guest operatingsystems. Multiple instances of a variety of operating systems may sharevirtualized hardware resources.

Server device 240 includes one or more devices capable of receiving,providing, storing, processing, and/or generating information associatedwith ATM device 220 and/or a user selection of a particular ATM device220. For example, server device 240 may include a server (e.g., in adata center or a cloud computing environment), a data center (e.g., amulti-server micro data center), a workstation computer, a virtualmachine (VM) provided in a cloud computing environment, or a similartype of device. In some implementations, server device 240 may include acommunication interface that allows server device 240 to receiveinformation from and/or transmit information to other devices inenvironment 200. In some implementations, server device 240 may receiveinformation from ATM recommendation platform 230 (e.g., for storage), asdescribed elsewhere herein. Additionally, or alternatively, serverdevice 240 may provide stored information to ATM recommendation platform230, as described elsewhere herein.

Network 250 includes one or more wired and/or wireless networks. Forexample, network 250 may include a cellular network (e.g., a long-termevolution (LTE) network, a code division multiple access (CDMA) network,a 3G network, a 4G network, a 5G network, another type of cellularnetwork, etc.), a public land mobile network (PLMN), a local areanetwork (LAN), a wide area network (WAN), a metropolitan area network(MAN), a telephone network (e.g., the Public Switched Telephone Network(PSTN)), a private network, an ad hoc network, an intranet, theInternet, a fiber optic-based network, a cloud computing network, or thelike, and/or a combination of these or other types of networks.

The number and arrangement of devices and networks shown in FIG. 2 areprovided as an example. In practice, there may be additional devicesand/or networks, fewer devices and/or networks, different devices and/ornetworks, or differently arranged devices and/or networks than thoseshown in FIG. 2. Furthermore, two or more devices shown in FIG. 2 may beimplemented within a single device, or a single device shown in FIG. 2may be implemented as multiple, distributed devices. Additionally, oralternatively, a set of devices (e.g., one or more devices) ofenvironment 200 may perform one or more functions described as beingperformed by another set of devices of environment 200.

FIG. 3 is a diagram of example components of a device 300. Device 300may correspond to user device 210, ATM device 220, ATM recommendationplatform 230, computing resource 234, and/or server device 240. In someimplementations, user device 210, ATM device 220, ATM recommendationplatform 230, computing resource 234, and/or server device 240 mayinclude one or more devices 300 and/or one or more components of device300. As shown in FIG. 3, device 300 may include a bus 310, a processor320, a memory 330, a storage component 340, an input component 350, anoutput component 360, and a communication interface 370.

Bus 310 includes a component that permits communication among thecomponents of device 300. Processor 320 is implemented in hardware,firmware, or a combination of hardware and software. Processor 320 is acentral processing unit (CPU), a graphics processing unit (GPU), anaccelerated processing unit (APU), a microprocessor, a microcontroller,a digital signal processor (DSP), a field-programmable gate array(FPGA), an application-specific integrated circuit (ASIC), or anothertype of processing component. In some implementations, processor 320includes one or more processors capable of being programmed to perform afunction. Memory 330 includes a random access memory (RAM), a read onlymemory (ROM), and/or another type of dynamic or static storage device(e.g., a flash memory, a magnetic memory, and/or an optical memory) thatstores information and/or instructions for use by processor 320.

Storage component 340 stores information and/or software related to theoperation and use of device 300. For example, storage component 340 mayinclude a hard disk (e.g., a magnetic disk, an optical disk, amagneto-optic disk, and/or a solid state disk), a compact disc (CD), adigital versatile disc (DVD), a floppy disk, a cartridge, a magnetictape, and/or another type of non-transitory computer-readable medium,along with a corresponding drive.

Input component 350 includes a component that permits device 300 toreceive information, such as via user input (e.g., a touch screendisplay, a keyboard, a keypad, a mouse, a button, a switch, and/or amicrophone). Additionally, or alternatively, input component 350 mayinclude a sensor for sensing information (e.g., a global positioningsystem (GPS) component, an accelerometer, a gyroscope, and/or anactuator). Output component 360 includes a component that providesoutput information from device 300 (e.g., a display, a speaker, and/orone or more light-emitting diodes (LEDs)).

Communication interface 370 includes a transceiver-like component (e.g.,a transceiver and/or a separate receiver and transmitter) that enablesdevice 300 to communicate with other devices, such as via a wiredconnection, a wireless connection, or a combination of wired andwireless connections. Communication interface 370 may permit device 300to receive information from another device and/or provide information toanother device. For example, communication interface 370 may include anEthernet interface, an optical interface, a coaxial interface, aninfrared interface, a radio frequency (RF) interface, a universal serialbus (USB) interface, a Wi-Fi interface, a cellular network interface, orthe like.

Device 300 may perform one or more processes described herein. Device300 may perform these processes based on processor 320 executingsoftware instructions stored by a non-transitory computer-readablemedium, such as memory 330 and/or storage component 340. Acomputer-readable medium is defined herein as a non-transitory memorydevice. A memory device includes memory space within a single physicalstorage device or memory space spread across multiple physical storagedevices.

Software instructions may be read into memory 330 and/or storagecomponent 340 from another computer-readable medium or from anotherdevice via communication interface 370. When executed, softwareinstructions stored in memory 330 and/or storage component 340 may causeprocessor 320 to perform one or more processes described herein.Additionally, or alternatively, hardwired circuitry may be used in placeof or in combination with software instructions to perform one or moreprocesses described herein. Thus, implementations described herein arenot limited to any specific combination of hardware circuitry andsoftware.

The number and arrangement of components shown in FIG. 3 are provided asan example. In practice, device 300 may include additional components,fewer components, different components, or differently arrangedcomponents than those shown in FIG. 3. Additionally, or alternatively, aset of components (e.g., one or more components) of device 300 mayperform one or more functions described as being performed by anotherset of components of device 300.

FIG. 4 is a flow chart of an example process 400 for aggregation ofautomated teller machine (ATM) device-related information and/orfactor-based selection of an ATM device. In some implementations, one ormore process blocks of FIG. 4 may be performed by ATM recommendationplatform 230. In some implementations, one or more process blocks ofFIG. 4 may be performed by another device or a group of devices separatefrom or including ATM recommendation platform 230, such as user device210, ATM device 220, or server device 240.

As shown in FIG. 4, process 400 may include receiving informationrelated to a capability of a set of automated teller machine (ATM)devices and/or a fee to be charged by the set of ATM devices (block410). For example, ATM recommendation platform 230 may receive, from aset of ATM devices 220, information related to a respective capabilityof the set of ATM devices 220 and/or a respective fee to be charged bythe set of ATM devices 220. In some implementations, ATM recommendationplatform 230 may receive the information periodically, according to aschedule, based on requesting the information, based on receiving arequest, from user device 210, to identify an ATM device 220, and/or thelike.

In some implementations, a capability of ATM device 220 may identify acapability of ATM device 220 to provide cash (e.g., an amount of cash,denominations of cash, etc. in association with a cash withdrawal).Additionally, or alternatively, a capability may relate to a capabilityof ATM device 220 to provide a service. For example, the information mayidentify a capability of ATM device 220 to provide a service related totransferring money between financial accounts, depositing money into afinancial account, withdrawing money from a financial account,contacting a representative associated with a financial institution,exchanging money in one currency for money in another currency, and/orthe like. Additionally, or alternatively, a capability of ATM device 220may relate to whether ATM device 220 can receive biometric information(e.g., a finger print scan, a facial scan, a retina scan, voice input,etc.) as input, such as to authenticate a user of ATM device 220.

In some implementations, the information may identify a fee to becharged by ATM device 220. For example, the information may identifyfees to be charged for various services provided by ATM device 220(e.g., a service related to withdrawing cash, depositing cash,transferring money, etc.), a schedule of fees charged by ATM device 220(e.g., based on a day of the week or a time of day), and/or the like. Insome implementations, a fee charged by an ATM device 220 may be dynamicand, thus, may change according to a schedule, based on demand, based onan occurrence of an event, and/or the like.

Additionally, or alternatively, a fee may depend on a relationshipbetween financial institutions, processing networks for transactions, atype of an account (e.g., a checking account, a savings account, abusiness account, a personal account, etc.), and/or the like. Forexample, a fee may increase or decrease depending on whether the fee isreimbursable by a financial institution, whether two or more financialinstitutions have reciprocal fee agreements, whether a particularfinancial institution is associated with a network of financialinstitutions, whether an individual and/or an account is associated witha threshold quantity of transactions via out-of-network ATM devices 220,and/or the like. In some implementations, a set of rules may indicate afee that is to be offered for a service and/or whether the fee is toincrease or decrease, and ATM recommendation platform 230 may use theset of rules to determine a fee for an individual, for a service, and/orthe like.

In some implementations, ATM recommendation platform 230 may useinformation related to an individual and/or an account associated withthe individual to determine a fee to be charged to the individual for aservice. For example, the information may relate to a quantity and/orfrequency of transactions associated with the individual and/or theaccount, whether the individual and/or the account has a higher priorityrelative to other individuals and/or accounts, types of services used bythe individual and/or the account in the past, and/or the like toimprove a fee ranking, determination of a fee to be offered for aservice, and/or identification of a fee that may satisfy a set ofpreferences associated with the individual and/or the account.

As a specific example, ATM recommendation platform 230 may identify anaccount that is associated with a quantity of transactions thatsatisfies a threshold as having a higher priority relative to anotheraccount that is not associated with a quantity of transactions thatsatisfies the threshold and ATM recommendation platform 230 maydetermine a lower fee for the account relative to the other account. Insome implementations, this may permit ATM recommendation platform 230 toprovide, to user device 210, information related to the availability afee and/or an availability of a particular ATM device 220 in real-timeor near real-time.

In some implementations, the information may relate to other factorsassociated with ATM device 220. For example, the information mayidentify a location of ATM device 220, a demand for ATM device 220(e.g., a quantity of requests, during a time period, for services fromATM device 220 by users of ATM device 220), a compatibility of ATMdevice 220 with a type of transaction card (e.g., a transaction cardthat includes a chip, a transaction card capable of RF communications,etc.), a compatibility of ATM device 220 with a particular brand oftransaction card, a compatibility of ATM device 220 with accountsassociated with a particular financial institution, and/or the like.

In some implementations, ATM recommendation platform 230 may determine alikelihood that an individual may have to wait to use a particular ATMdevice 220. For example, ATM recommendation platform 230 may usehistorical data and/or real-time (or near real-time) data of aparticular ATM device 220 to determine whether the particular ATM device220 is in use, has historically experienced a threshold amount of use ata time of day or on a day of the week (e.g., the same time of day or dayof the week that an individual wants to use the particular ATM device220), and/or the like. In some implementations, ATM recommendationplatform 230 may provide, for display via user device 210, informationthat identifies a likelihood, or an amount of time, that an individualmay have to wait to use a particular ATM device 220.

In some implementations, ATM recommendation platform 230 may receiveinformation related to a set of ATM devices 220 based on communicatingwith the set of ATM devices 220, by accessing data stored by serverdevice 240, and/or the like. In this way, ATM recommendation platform230 may receive information related to ATM devices 220 directly from ATMdevices 220 (e.g., rather than, or in association with, receiving theinformation via crowdsourcing or another technique that is based onreceiving input from users of user devices 210 and/or ATM recommendationplatform 230). Additionally, or alternatively, because ATMrecommendation platform 230 is receiving information from ATM devices220 and not via input by a user of user device 210 and/or ATMrecommendation platform 230, additional techniques may be needed toreceive the information from networks of ATM devices 220, such asinformation that would not be available to a user of ATM device 220(e.g., information identifying an amount of cash in a cash supply of ATMdevice 220).

For example, ATM recommendation platform 230 may need to use differentcommunications protocols and/or messages to communicate with ATM devices220 associated with different financial institutions, may need to formatdata from different ATM devices 220 into a uniform format, may need tonormalize data from different ATM devices 220 (e.g., normalize to auniform scale), may need to aggregate data from ATM devices 220associated with different financial institutions, may need to receiveencrypted data from ATM devices 220 (e.g., because ATM recommendationplatform 230 is receiving data not available to a user of ATM device220), and/or the like.

In this way, ATM recommendation platform 230 may receive informationrelated to a capability of a set of ATM devices 220 and/or a fee to becharged by the set of ATM devices 220.

As further shown in FIG. 4, process 400 may include identifying a subsetof ATM devices based on the capability, the fee, and/or a preference ofan account associated with a request (block 420). For example, ATMrecommendation platform 230 may identify a subset of ATM devices basedon the capability, the fee, and/or a preference of an account associatedwith a request.

In some implementations, ATM recommendation platform 230 may receive,from user device 210, a request to identify ATM device 220 of a set ofATM devices 220. For example, the request may relate to identifying aparticular ATM device 220 from which an individual associated with userdevice 210 can receive cash, can access a service, and/or the like. Insome implementations, ATM recommendation platform 230 may receive therequest based on a user of user device 210 providing input to userdevice 210 (e.g., by selecting a control on a user interface associatedwith user device 210, by inputting text via a user interface of userdevice 210, etc.). In some implementations, user device 210 may receiveinput from a user of user device 210 via an application accessed viauser device 210. For example, the application may provide a userinterface associated with ATM recommendation platform 230.

In some implementations, ATM recommendation platform 230 may receive therequest in association with a request for a cash delivery. For example,ATM recommendation platform 230 may receive the request when a user ofuser device 210 requests, via user device 210, a cash delivery from anorganization and/or an individual.

In some implementations, ATM recommendation platform 230 may receive arequest after providing a notification to user device 210 for display.For example, ATM recommendation platform 230 may provide a notificationto user device 210 that identifies a capability of ATM device 220 and/ora fee charged by ATM device 220 (e.g., after determining that a fee tobe charged by ATM device 220 satisfies a threshold, that ATM device 220can provide a particular service, that user device 210 is at aparticular location, etc.).

In some implementations, ATM recommendation platform 230 may provide anotification to user device 210 based on a proximity of user device 210and ATM device 220 and may receive a request from user device 210 afterproviding the notification to user device 210. For example, ATMrecommendation platform 230 may detect that a proximity of user device210 and ATM device 220 satisfies a threshold (e.g., based on informationfrom ATM device 220 identifying a location of ATM device 220 andinformation from user device 210 identifying a location of user device210). Continuing with the previous example, ATM recommendation platform230 may provide a notification to user device 210 after detecting thatthe proximity of user device 210 and ATM device 220 satisfies athreshold (e.g., ATM recommendation platform 230 may push a notificationto user device 210 without user device 210 providing a request toidentify ATM device 220). In some implementations, and continuing withthe previous example, the notification may identify that the proximityof user device 210 and ATM device 220 satisfies a threshold.

In some implementations, a request from user device 210 may includeinformation related to a user of user device 210, an account associatedwith user device 210, and/or the like. For example, the information mayidentify a user of user device 210, an account associated with userdevice 210, a preference of a user and/or an account associated withuser device 210 (e.g., a preference related to a proximity of userdevice 210 and ATM device 220, a threshold fee to be charged by ATMdevice 220, denominations for cash to be received from ATM device 220,etc.), a service to be accessed by a user of user device 210, a typeand/or brand of transaction card associated with an account associatedwith user device 210 or to be used by a user of ATM device 220, alocation of user device 210, and/or the like. Although the informationfrom user device 210 may identify a preference, ATM recommendationplatform 230 may have previously stored information related to apreference of a user of user device 210 and/or an account associatedwith user device 210. For example, ATM recommendation platform 230 mayhave identified a preference from a previous request, when a user ofuser device 210 set up an account at a previous time, and/or the like.

In some implementations, ATM recommendation platform 230 may identify asubset of ATM devices 220. For example, ATM recommendation platform 230may have received information from a set of ATM devices 220 and ATMrecommendation platform 230 may identify a subset of ATM devices 220(i.e., fewer than all ATM devices 220 in the set of ATM devices 220)based on a request from user device 210 (e.g., a subset of ATM devices220 where information from the subset of ATM devices 220 satisfies athreshold, satisfies one or more factors, satisfies one or morepreferences, etc.).

In some implementations, and as a specific example, ATM recommendationplatform 230 may identify a subset of ATM devices 220 based on one ormore factors (e.g., based on the one or more factors being satisfied).For example, the one or more factors may relate to ATM device 220 (e.g.,a location of ATM device 220, a service provided by ATM device 220, afee to be charged by ATM device 220, a capability of ATM device 220,etc.), user device 210 (e.g., a location of user device 210, a proximityof user device 210 and ATM device 220, a preference related to anaccount and/or a user associated with user device 210, etc.), an accountassociated with an individual (e.g., a type of account, such as asavings account or a checking account, a transaction card associatedwith an account, etc.), and/or the like.

In some implementations, ATM recommendation platform 230 may identify asubset of ATM devices 220 based on particular factors being satisfied,values for the factors satisfying a threshold, preferences associatedwith an account being satisfied, and/or the like (e.g., in real-time ornear real-time as different combinations of factors are satisfied overtime, as the values for the factors change over time, as differentcombinations of preferences are satisfied, as preferences associatedwith an account change, etc.).

As a specific example, an account may be associated with a preferencefor a lower fee relative to a closer proximity. In this case, ATMrecommendation platform 230 may include ATM devices 220 in a subset ofATM devices 220 based on the fees charged by ATM devices 220 being lessthan a threshold (e.g., rather than including ATM devices 220 that arewithin a threshold distance of user device 210 associated with anindividual associated with the account). Conversely, if an individualassociated with an account changes a preference of the account topreferring ATM devices 220 that are proximate to the location of theindividual rather than preferring a lower fee, ATM recommendationplatform 230 may select a subset of ATM devices 220 that are within athreshold distance of user device 210 associated with the individual(e.g., rather than selecting a subset of ATM devices 220 based on a feesatisfying a threshold).

As another example, ATM recommendation platform 230 may prioritize ATMdevices 220 for inclusion in a subset of ATM devices 220 based onwhether a fee charged by the ATM devices 220 for a service isreimbursable by a financial institution associated with an individualwanting to use one of the ATM devices 220. Continuing with the previousexample, ATM recommendation platform 230 may prioritize ATM devices 220with reimbursable fees relative to ATM devices 220 that have a closerproximity to user device 210 associated with the individual relative toother ATM devices 220, that offer lower fees relative to other ATMdevices 220, and/or the like.

Continuing with the previous example, if ATM recommendation platform 230determines that the individual has completed a threshold quantity oftransactions with reimbursable fees, ATM recommendation platform 230 mayprioritize ATM devices 220 for inclusion in a subset of ATM devices 220based on another factor (e.g., lower relative fees, closer proximity touser device 210 associated with the individual, etc.). In someimplementations, other factors related to ATM devices 220 and/orpreferences of an account associated with an individual may cause ATMrecommendation platform 230 to include different ATM devices 220 in asubset of ATM devices 220. Additionally, or alternatively, ATMrecommendation platform 230 may perform a lookup of a set of rules(e.g., in real-time or near real-time) that is to be used to determineATM devices 220 to include in a subset of ATM devices 220. In this way,ATM recommendation platform 230 may intelligently, and in real-time ornear real-time, determine ATM devices 220 to include in a subset of ATMdevices 220.

In some implementations, ATM recommendation platform 230 may facilitatecompetitive bidding among providers of ATM devices 220 in associationwith receiving a request to identify a particular ATM device 220 for anindividual to use. For example, when ATM recommendation platform 230identifies a subset of ATM devices 220, ATM recommendation platform 230may request bids for fees for services the individual wants to access.In some implementations, ATM recommendation platform 230 may provide, toeach of the providers of ATM devices 220, information that identifiesbids from the other providers, to permit the providers to provideupdated bids based on the bids of the other providers. In someimplementations, the information may identify a high bid, may identify alow bid, may be anonymized, and/or the like. This facilitatescompetitive bidding among providers of ATM devices 220, therebyresulting in reduced fees for users of ATM devices 220.

In some implementations, ATM recommendation platform 230 may receive astream (e.g., in real-time or near real-time) of information thatidentifies fees for services provided by ATM devices 220. In someimplementations, ATM recommendation platform 230 may publish theinformation to each provider (e.g., each provider that provides at leastone ATM device 220 in a geographic area, within a threshold proximity touser device 210, etc.), thereby permitting providers of ATM devices 220to adjust fees based on the fees charged by other providers of ATMdevices 220. This results in reduced fees charged for services providedby ATM devices 220.

In this way, ATM recommendation platform 230 may identify a subset ofATM devices 220 based on the capability, the fee, and/or a preference ofan account associated with a request.

As further shown in FIG. 4, process 400 may include determining a scoreand/or a rank for the subset of ATM devices after identifying the subsetof ATM devices (block 430). For example, ATM recommendation platform 230may determine a score and/or a rank for each ATM device 220 in thesubset of ATM devices 220. In some implementations, ATM recommendationplatform 230 may determine a score for a particular ATM device 220 basedon a capability of the particular ATM device 220, a fee to be charged bythe particular ATM device 220, information identifying a preference ofan individual and/or an account associated with user device 210,information associated with ATM device 220 satisfying one or morefactors, and/or the like.

In some implementations, a score may indicate a match betweeninformation related to ATM device 220 and a preference of an account, anindividual, and/or the like associated with user device 210.Additionally, or alternatively, a score may indicate a degree to whichinformation associated with ATM device 220 satisfies one or morefactors. Additionally, or alternatively, a score may indicate whether,or a degree to which, information related to ATM device 220 satisfies athreshold. In some implementations, a score may be a weighted score(e.g., where different factors associated with ATM device 220 and/ordifferent preferences associated with an individual or an account areweighted more than others), an average score (e.g., an average of scoresfor different factors and/or preferences), a result of applying afunction to scores associated with factors and/or preferences, and/orthe like.

In some implementations, a score may indicate a confidence that ATMdevice 220 is a best fit for a user of user device 210 and/or an accountassociated with user device 210. For example, ATM recommendationplatform 230 may use machine learning, artificial intelligence, and/orthe like to generate a model related to a user of user device 210 and/oran account associated with user device 210 (e.g., where the model istrained on information identifying prior selected ATM devices 220,information related to the prior selected ATM devices 220, informationidentifying a preference of the user of user device 210 and/or anaccount associated with user device 210, etc.). Continuing with theprevious example, ATM recommendation platform 230 may use the model todetermine whether a particular ATM device 220 is a best fit for a userof user device 210 and/or an account associated with user device 210(e.g., the model may output a score that identifies a confidence thatATM device 220 is a best fit for a user and/or an account associatedwith user device 210).

In some implementations, ATM recommendation platform 230 may determine ascore for ATM device 220 after identifying ATM device 220. For example,ATM recommendation platform 230 may determine a score for a subset ofATM devices 220 after identifying the subset of ATM devices 220.Continuing with the previous example, ATM recommendation platform 230may receive information from a set of ATM devices 220, may identify asubset of ATM devices 220, and may determine a score for the subset ofATM devices 220 after identifying the subset of ATM devices 220. Thisconserves processing resources of ATM recommendation platform 230 thatwould otherwise be consumed determining a score for a set of ATM devices220 relative to a subset of ATM devices 220.

In some implementations, ATM recommendation platform 230 may determine arank for each of a subset of ATM devices 220. For example, ATMrecommendation platform 230 may determine a rank for each of a subset ofATM devices 220 based on a score associated with each of the subset ofATM devices 220. Continuing with the previous example, ATMrecommendation platform 230 may determine a rank for a subset of ATMdevices 220 from highest score to lowest score or lowest score tohighest score.

In some implementations, ATM recommendation platform 230 may identifyone or more of the subset of ATM devices 220. For example, ATMrecommendation platform 230 may identify one or more of the subset ofATM devices 220 based on a score, a rank, and/or the like (e.g., afterdetermining that a score and/or a rank satisfies a threshold). In someimplementations, ATM recommendation platform 230 may identify one ormore of the subset of ATM devices 220 that have a threshold score, thehighest score relative to other ATM devices 220, a threshold rank, thehighest rank relative to other ATM devices 220, and/or the like.

In this way, ATM recommendation platform 230 may determine a scoreand/or a rank for the subset of ATM devices 220 after identifying thesubset of ATM devices 220.

As further shown in FIG. 4, process 400 may include providinginformation identifying the subset of ATM devices based on the scoreand/or the rank (block 440). For example, ATM recommendation platform230 may provide information identifying the subset of ATM devices 220based on the scores and/or the ranks associated with the subset of ATMdevices 220. In some implementations, ATM recommendation platform 230may provide the information for display (e.g., via a display of userdevice 210).

In some implementations, ATM recommendation platform 230 may provideinformation identifying the subset of ATM devices 220 after determiningthat the subset of ATM devices 220 are associated with scores and/orranks that satisfy a threshold. For example, ATM recommendation platform230 may determine that a respective score and/or a respective rank foreach of a subset of ATM devices 220 satisfies a threshold and mayprovide information identifying each of the subset of ATM devices 220after determining that the respective score and/or the respective rankfor each of the subset of ATM devices 220 satisfies the threshold.

In some implementations, ATM recommendation platform 230 may provideinformation identifying the subset of ATM devices 220 in associationwith a cash delivery. For example, the information may be provided touser device 210 associated with an individual who is to provide a cashdelivery to another individual that requested a cash delivery (e.g., topermit the individual delivering the cash to identify a particular ATMdevice 220 from which to receive cash for the cash delivery).

In some implementations, ATM recommendation platform 230 may provideother information to user device 210. For example, ATM recommendationplatform 230 may provide information identifying a respective locationof each of a subset of ATM devices 220, respective services provided byeach of a subset of ATM devices 220, a respective schedule of fees forservices provided by each of a subset of ATM devices 220, a respectivescore and/or a respective rank for each of a subset of ATM devices 220,and/or the like.

In some implementations, ATM recommendation platform 230 may receive,from user device 210, a selection of a particular ATM device 220, of thesubset of ATM devices 220, as a selected ATM device 220. For example,ATM recommendation platform 230 may receive a selection from user device210 after providing information identifying the subset of ATM devices220 to user device 210 for display. Continuing with the previousexample, a display associated with user device 210 may display theinformation identifying the subset of ATM devices 220 and user device210 may receive a selection of a particular ATM device 220 via inputfrom a user of user device 210 (e.g., selection of a control on a userinterface displayed by a display associated with user device 210).

In some implementations, ATM recommendation platform 230 may determine aset of directions to a particular ATM device 220. For example, ATMrecommendation platform 230 may determine a set of directions to aselected ATM device 220. In some implementations, ATM recommendationplatform 230 may provide, to user device 210, a set of directions to theselected ATM device 220.

Additionally, or alternatively, ATM recommendation platform 230 mayprovide information identifying a location of a selected ATM device 220and/or a set of instructions to user device 210. For example, ATMrecommendation platform 230 may provide information identifying alocation of ATM device 220 to user device 210 to permit user device 210to determine a set of directions to the selected ATM device 220.Additionally, or alternatively, and as another example, ATMrecommendation platform 230 may provide a set of instructions to userdevice 210 to cause user device 210 to determine a set of directions toa selected ATM device 220. Additionally, or alternatively, ATMrecommendation platform 230 may cause a navigational application to openon user device 210 and to provide directions (e.g., turn-by-turndirections) to a location of ATM device 220. This conserves processingresources of user device 210 that would otherwise be consumed by a userof user device 210 manually opening the navigational application,inputting information that identifies a location of ATM device 220, andcausing the navigational application to provide directions to thelocation of ATM device 220.

In some implementations, ATM recommendation platform 230 may generate areport. For example, ATM recommendation platform 230 may generate areport related to a fee to be charged by a subset of ATM devices 220(e.g., a report that identifies a fee to be charged). Additionally, oralternatively, ATM recommendation platform 230 may generate a reportrelated to a selection of a particular ATM device 220 (e.g., informationthat identifies a selected ATM device 220). In some implementations, ATMrecommendation platform 230 may provide a generated report. For example,ATM recommendation platform 230 may provide a generated report to afinancial organization associated with ATM device 220 (e.g., user device210 and/or server device 240 associated with the financialorganization), ATM device 220, server device 240 associated with ATMdevice 220, and/or the like.

In some implementations, a report may include information identifyingfees charged by ATM devices 220 associated with different organizations.For example, the report may be an anonymized report, a partiallyanonymized report, or a non-anonymized report that identifies feescharged by ATM devices 220 associated with different organizations. Inthis way, ATM recommendation platform 230 may notify organizations thatprovide ATM devices 220 fees that are being charged by otherorganizations. This may reduce fees for users of ATM devices 220 byfacilitating competition among organizations that provide ATM devices220.

In this way, ATM recommendation platform 230 may provide informationidentifying the subset of ATM devices 220 based on the scores and/orranks for the subset of ATM devices 220.

Although FIG. 4 shows example blocks of process 400, in someimplementations, process 400 may include additional blocks, fewerblocks, different blocks, or differently arranged blocks than thosedepicted in FIG. 4. Additionally, or alternatively, two or more of theblocks of process 400 may be performed in parallel.

In some implementations, ATM recommendation platform 230 may receiveand/or provide, for display, reviews of ATM devices 220 (e.g., via userdevice 210). For example, a review may include information thatidentifies and/or describes a location of ATM device 220, a userexperience with ATM device 220, a rating for ATM device 220, and/or thelike. This permits ATM recommendation platform 230 to provide, fordisplay, information that aides a user of ATM recommendation platform230 when selecting a particular ATM device 220 to use. In addition, thispermits ATM recommendation platform 230 to dynamically adjust a scoreand/or a rank for a particular ATM device 220 based on reviews fromusers of ATM device 220, to determine whether to include a particularATM device 220 in a subset of ATM devices 220 offered to a user of ATMrecommendation platform 230, and/or the like, thereby improving thesubset of ATM devices 220 offered to a user of ATM recommendationplatform 230.

FIG. 5 is a diagram of an example implementation 500 related to process400 shown in FIG. 4. FIG. 5 shows an example implementation from theperspective of user device 210.

As shown in FIG. 5, and by reference number 510, user device 210 mayprovide, to ATM recommendation platform 230, a request to identify aparticular ATM device 220. For example, user device 210 may provide therequest based on input from a user of user device 210. As shown byreference number 520, user device 210 may receive, from ATMrecommendation platform 230, information identifying one or more ATMdevices 220. For example, ATM recommendation platform 230 may haveidentified the one or more ATM devices 220 based on informationassociated with the one or more ATM devices 220 satisfying a threshold,satisfying one or more factors, satisfying one or more preferences of auser of user device 210 and/or an account associated with user device210, and/or the like.

As shown by reference number 530, user device 210 may receive a userselection of the particular ATM device 220. For example, the userselection may be received via a user interface displayed by a displayassociated with user device 210. In some implementations, the particularATM device 220 may be selected from the one or more ATM devices 220 forwhich information was received from ATM recommendation platform 230. Insome implementations, user device 210 may provide, to ATM recommendationplatform 230, information identifying the user selection. As shown byreference number 540, ATM recommendation platform 230 may provide a setof directions to a selected ATM device 220. For example, ATMrecommendation platform 230 may provide a set of directions to theselected ATM device 220 to user device 210 (e.g., for display).

As indicated above, FIG. 5 is provided merely as an example. Otherexamples are possible and may differ from what was described with regardto FIG. 5.

In this way, ATM recommendation platform 230 may identify a set of ATMdevices 220 for an individual to use. For example, ATM recommendationplatform 230 may intelligently identify the set of ATM devices 220 basedon information associated with the set of ATM devices 220 satisfying athreshold, satisfying one or more factors, satisfying one or morepreferences, and/or the like. This improves a capability of anindividual to select a particular ATM device 220, from multiple ATMdevices 220, based on one or more factors, one or more preferences,and/or the like by reducing or eliminating a need for the individual toselect a particular ATM device 220 without information related to feesto be charged by the multiple ATM devices 220, services provided by themultiple ATM devices 220, and/or the like. Further, this conservescomputing resources of a device that would be consumed by an individualusing the device to research ATM devices 220 to identify a particularATM device 220 to use. Further, this permits an individual to make aninformed decision with regard to selecting a particular ATM device 220to use, thereby improving selection of the particular ATM device 220.Further, this saves an individual money, by reducing or eliminatingpayment of a fee for a service provided by ATM device 220 that is higherrelative to another fee for the same service provided by a different ATMdevice 220. Further, this facilitates competition among providers of ATMdevices 220, thereby resulting in reduced fees for users of ATM devices220.

Further, in this way, ATM recommendation platform 230 provides amarketplace for ATM devices 220 (e.g., for fees and/or services relatedto ATM devices 220) with transparent pricing. This permits anorganization associated with ATM recommendation platform 230 tonegotiate fee rates and/or memberships with other organizations based onvolume discounts. In addition, this permits the organization to requesta fee from a provider of ATM device 220 for ATM device 220 to be offeredas a potential ATM device 220 via ATM recommendation platform 230 and/orto request that the provider of ATM device 220 limit a fee charged tocustomers of the organization associated with ATM recommendationplatform 230.

The foregoing disclosure provides illustration and description, but isnot intended to be exhaustive or to limit the implementations to theprecise form disclosed. Modifications and variations are possible inlight of the above disclosure or may be acquired from practice of theimplementations.

As used herein, the term component is intended to be broadly construedas hardware, firmware, or a combination of hardware and software.

Some implementations are described herein in connection with thresholds.As used herein, satisfying a threshold may refer to a value beinggreater than the threshold, more than the threshold, higher than thethreshold, greater than or equal to the threshold, less than thethreshold, fewer than the threshold, lower than the threshold, less thanor equal to the threshold, equal to the threshold, or the like.

It will be apparent that systems and/or methods, described herein, maybe implemented in different forms of hardware, firmware, or acombination of hardware and software. The actual specialized controlhardware or software code used to implement these systems and/or methodsis not limiting of the implementations. Thus, the operation and behaviorof the systems and/or methods were described herein without reference tospecific software code—it being understood that software and hardwarecan be designed to implement the systems and/or methods based on thedescription herein.

Even though particular combinations of features are recited in theclaims and/or disclosed in the specification, these combinations are notintended to limit the disclosure of possible implementations. In fact,many of these features may be combined in ways not specifically recitedin the claims and/or disclosed in the specification. Although eachdependent claim listed below may directly depend on only one claim, thedisclosure of possible implementations includes each dependent claim incombination with every other claim in the claim set.

No element, act, or instruction used herein should be construed ascritical or essential unless explicitly described as such. Also, as usedherein, the articles “a” and “an” are intended to include one or moreitems, and may be used interchangeably with “one or more.” Furthermore,as used herein, the term “set” is intended to include one or more items(e.g., related items, unrelated items, a combination of related andunrelated items, etc.), and may be used interchangeably with “one ormore.” Where only one item is intended, the term “one” or similarlanguage is used. Also, as used herein, the terms “has,” “have,”“having,” or the like are intended to be open-ended terms. Further, thephrase “based on” is intended to mean “based, at least in part, on”unless explicitly stated otherwise.

1. A device, comprising: one or more memories; and one or moreprocessors, communicatively coupled to the one or more memories,configured to: receive, from a plurality of automated teller machine(ATM) devices, information related to at least one of: a capability ofeach of the plurality of ATM devices to provide cash, or a fee to becharged by each of the plurality of ATM devices in association withproviding the cash; receive, from a first user device, a request toidentify an ATM device, of the plurality of ATM devices, from which anindividual can receive the cash, the request being received inassociation with another request, associated with the first user device,for a cash delivery to a location of the first user device, and theother request for the cash delivery requesting a second user, differentthan a first user associated with the first user device, deliver cashfrom the ATM device and to the location of the first user device;determine, after receiving the request, scores for the plurality of ATMdevices, a score for one of the plurality of ATM devices being based onat least one of: the capability of the one of the plurality of ATMdevices to provide the cash, the fee to be charged by the one of theplurality of ATM devices, or information identifying a preference of thefirst user; determine a rank for the plurality of ATM devices based onthe scores for the plurality of ATM devices; provide, to a second userdevice associated with the second user who is to deliver the cash andbased on the rank, information identifying the ATM device and/or one ormore other ATM devices of the plurality of ATM devices; cause anavigational application to automatically open on the second userdevice; and populate the navigational application with informationidentifying a location of the ATM device and/or the one or more otherATM devices of the plurality of ATM devices to cause the navigationalapplication to provide directions to the ATM device and/or the one ormore other ATM devices of the plurality of ATM devices.
 2. The device ofclaim 1, where the one or more processors are further configured to:provide, to the first user device, a notification that identifies the atleast one of: the capability, or the fee; and where the one or moreprocessors, when receiving the request, are configured to: receive therequest after providing the notification to the first user device. 3.The device of claim 1, where the one or more processors are furtherconfigured to: receive, from the second user device, a selection of theATM device or another ATM device of the one or more other ATM devices,as a selected ATM device, after providing the information identifyingthe ATM device and/or the one or more other ATM devices; and where theone or more processors, when populating the navigational application,are to: populate the navigational application with informationidentifying the selected ATM device after receiving the selection fromthe second user device.
 4. The device of claim 1, where the one or moreprocessors are further configured to: identify the plurality of ATMdevices based on one or more factors; and where the one or moreprocessors, when determining the scores, are configured to: determinethe scores for the plurality of ATM devices after identifying theplurality of ATM devices.
 5. The device of claim 1, where the one ormore processors are further configured to: detect that proximity of thefirst user device and each of the plurality of ATM devices satisfies athreshold; provide a notification to the first user device based on theproximity satisfying the threshold, the notification identifying thatthe proximity of the first user device and each of the plurality of ATMdevices satisfies the threshold; and where the one or more processors,when receiving the request, are configured to: receive the request afterproviding the notification.
 6. The device of claim 1, where each of thescores indicates a likelihood of a match between a respective one of theplurality of ATM devices and the preference of the first user.
 7. Thedevice of claim 1, where the capability includes: an amount of cash thatthe one of the plurality of ATM devices can provide, or denominations ofcash that the one of the plurality of ATM devices can provide.
 8. Anon-transitory computer-readable medium storing instructions, theinstructions comprising: one or more instructions that, when executed byone or more processors, cause the one or more processors to: receive,from a plurality of automated teller machine (ATM) devices, informationrelated to at least one of: a capability of each of the plurality of ATMdevices to provide cash, or a fee to be charged by each of the pluralityof ATM devices in association with providing the cash; receive, from afirst user device, a request to identify an ATM device of the pluralityof ATM devices, the request being received in association with anotherrequest, associated with the first user device, for a cash delivery to alocation of the first user device, and the other request for the cashdelivery requesting a second user, different than a first userassociated with the first user device, deliver cash from the ATM deviceto the location of the first user device; determine, after receiving therequest, scores for the plurality of ATM devices, a score for one of theplurality of ATM devices being based on the information related to thecapability of the one of the plurality of ATM devices or the fee to becharged by the one of the plurality of ATM devices; determine a rank forthe plurality of ATM devices based on the scores for the plurality ofATM devices; provide, to a second user device associated with the seconduser who is to deliver the cash and based on the rank, informationidentifying the ATM device and/or one or more other ATM devices of theplurality of ATM devices; cause a navigational application toautomatically open on the second user device; and populate thenavigational application with information identifying a location of theATM device and/or the one or more other ATM devices of the plurality ofATM devices to cause the navigational application to provide directionsto the ATM device and/or the one or more other ATM devices of theplurality of ATM devices.
 9. (canceled)
 10. The non-transitorycomputer-readable medium of claim 8, where the one or more instructions,that cause the one or more processors to provide the informationidentifying the ATM device and/or the one or more other ATM devices,cause the one or more processors to: provide the information identifyingthe ATM device and/or the one or more other ATM devices in associationwith the cash delivery.
 11. The non-transitory computer-readable mediumof claim 8, where the one or more instructions, when executed by the oneor more processors, further cause the one or more processors to:receive, from the second user device associated with the second user whois to deliver the cash, a selection of a particular ATM device fromamong the ATM device and/or one or more other ATM devices; generate areport related to the selection of the particular ATM device by thesecond user device associated with the second user who is to deliver thecash; and provide the report to: a financial organization associatedwith one or more of the plurality of ATM devices, one or more of theplurality of ATM devices, or a server device associated with one or moreof the plurality of ATM devices.
 12. The non-transitorycomputer-readable medium of claim 8, where the one or more instructions,when executed by the one or more processors, further cause the one ormore processors to: determine whether the score for the ATM devicesatisfies a threshold after determining the score; and identify the ATMdevice or the one or more other ATM devices based on the scoresatisfying the threshold.
 13. (canceled)
 14. The non-transitorycomputer-readable medium of claim 8, where the one or more instructions,when executed by the one or more processors, further cause the one ormore processors to: receive a selection of the ATM device or the one ormore other ATM devices after providing the information identifying theATM device and/or the one or more other ATM devices.
 15. A method,comprising: receiving, by a device and from a plurality of automatedteller machine (ATM) devices, information related to the plurality ofATM devices; receiving, by the device and from a first user device, arequest to identify an ATM device, of the plurality of ATM devices, thatcan provide cash to an individual, the request being received inassociation with another request, associated with the first user device,for a cash delivery to a location of the first user device, and theother request for the cash delivery requesting a second user, differentthan a first user associated with the first user device, deliver cashfrom the ATM device and to the location of the first user device;determining, by the device and after receiving the request, scores forthe plurality of ATM devices, a score for one of the plurality of ATMdevices being based on at least one of: a capability of the one of theplurality of ATM devices to provide the cash, a fee to be charged by theone of the plurality of ATM devices for providing the cash, orinformation identifying a preference of the first user; determining, bythe device, a rank for the plurality of ATM devices based on the scoresfor the plurality of ATM devices; identifying, by the device, the ATMdevice based on the rank; providing, by the device and to a second userdevice associated with the second user who is to deliver the cash,information identifying the ATM device and/or one or more other ATMdevices, of the plurality of ATM devices, after identifying the ATMdevice; causing, by the device, a navigational application toautomatically open on the second user device; and populating, by thedevice, the navigational application with information identifying alocation of the ATM device and/or the one or more other ATM devices ofthe plurality of ATM devices to cause the navigational application toprovide directions to the ATM device and/or the one or more other ATMdevices of the plurality of ATM devices.
 16. The method of claim 15,where providing the information identifying the ATM device or the one ormore other ATM devices comprises: providing the information identifyingthe ATM device or the one or more other ATM devices after determiningthat the ATM device or the one or more other ATM devices are associatedwith a threshold score.
 17. The method of claim 15, further comprising:generating a report related to the fee to be charged by the plurality ofATM devices; and providing the report to: a financial institutionassociated with one or more of the plurality of ATM devices, one or moreof the plurality of ATM devices, or a server device associated with oneor more of the plurality of ATM devices.
 18. The method of claim 15,further comprising: identifying the plurality of ATM devices based onone or more factors associated with: the plurality of ATM devices, thefirst user device, or an account associated with the individual; andwhere determining the scores comprises: determining the scores for theplurality of ATM devices after identifying the plurality of ATM devices.19. The method of claim 15, further comprising: providing a notificationto the first user device based on the capability of the plurality of ATMdevices or the fee to be charged by the plurality of ATM devices; andwhere receiving the request comprises: receiving the request afterproviding the notification to the first user device.
 20. The method ofclaim 15, further comprising: providing a notification to the first userdevice based on a proximity of the first user device and the pluralityof ATM devices satisfying a threshold, the notification identifying thecapability of the plurality of ATM devices or the fee to be charged bythe plurality of ATM devices; and where receiving the request comprises:receiving the request after providing the notification.
 21. The deviceof claim 1, where the score for the one of the plurality of ATM devicesis based on the capability of the one of the plurality of ATM devices toprovide the cash, the capability being based on whether the one of theplurality of ATM devices is capable of receiving biometric informationto authenticate a user.
 22. The method of claim 15, where the score forthe one of the plurality of ATM devices is based on the capability ofthe one of the plurality of ATM devices to provide the cash, thecapability being based on whether the one of the plurality of ATMdevices is capable of receiving biometric information to authenticate auser.